Rajita Bhardwaj
Bhuntar
Summary
Experienced mortgage and financial services professional with over 5 years in mortgage operations, underwriting, and loan processing. Specializes in conventional and government lending guidelines, income and asset analysis, and regulatory compliance. Manages end-to-end loan processes and streamlines workflows for efficiency in fast-paced environments.
Overview
6
6
years of professional experience
Work History
Mortgage Support Specialist
Real
09.2025 - Current
- Reviewed and verified borrower documentation, including income, assets, disclosures, and purchase contracts, ensuring accuracy and completeness.
- Coordinated with Loan Officers to resolve missing information and prepare loan files for underwriting submission.
- Organized and maintained loan documentation within the Loan Origination System (LOS) to ensure compliance and efficient processing.
- Ordered and tracked third-party services, including appraisals and title reports, to support timely loan processing.
- Submitted complete, compliant loan files to underwriting, reducing processing delays and minimizing underwriting conditions.
- Maintained accurate LOS notes and monitored file status to ensure adherence to service-level agreements and workflow timelines.
Senior Associate- Collateral Management
NAB Global Innovation Centres
06.2023 - 01.2025
- Managed a diverse portfolio of collateral including deposits, securities, and guarantees, ensuring comprehensive coverage and risk mitigation.
- Facilitated the seamless creation and maintenance of agreements, meticulously aligning with regulatory standards to uphold compliance.
- Collaborated closely with cross-functional teams to precisely document collateral assets, fostering a cohesive and efficient workflow.
- Spearheaded efforts to optimize collateral efficiency and risk management through strategic modification of collateral types, guided by insightful communication with bankers.
- Played a pivotal role in responding to inquiries from third parties, providing timely and accurate information to support collaborative efforts.
- Proactively discharged Personal Property Securities Register (PPSR) obligations upon receipt of requests, ensuring regulatory compliance and operational efficiency.
Senior Underwriter - Correspondent Lending (APAC)
Ocwen Financial Solutions Pvt. Ltd.
11.2022 - 05.2023
- Underwriting complete component review.
- Provide secondary-level review.
- Utilize the client's loan operating system to ensure all data is accurate with documents.
- Underwrite loans in accordance with Conventional and Government underwriting guidelines, utilizing AUS.
- Evaluate and ensure overall loan documents are accurate, complete, and compliant.
Senior Underwriter - Consumer Direct (APAC)
Ocwen Financial Solutions Pvt. Ltd.
09.2021 - 11.2022
- Processed conventional mortgage loans for FNMA and FHLMC, ensuring compliance with industry standards.
- Evaluated overall loan documents for accuracy, completeness, and compliance.
- Reviewed credit reports to verify trade lines, derogatory accounts, public records, and ensure credit reconciliation.
- Thorough income calculation - salaried income, non-employment Income & Self Employment income.
- Asset verification includes the borrower's bank account statement, retirement accounts, mutual funds, and other investments.
- Credit analysis based on the borrower's Income, assets, liabilities, and collateral (4C's of Underwriting) to determine the creditworthiness of a customer.
- Calculated income and debt-to-income ratios; analyzed complex asset statements, financial statements, and personal/business income tax returns to support decision-making.
- Evaluated loan documents to determine approval or denial outcomes.
Senior Processor
Ocwen Financial Solutions Pvt. Ltd.
06.2020 - 09.2021
- Implemented process automation to streamline closed congestion workflows with team collaboration.
- Collaborated with senior leadership on identifying and executing process improvement initiatives.
- Reviewing HOI & Title documents.
- Attended all seminars that provided updates and changes in the mortgage industry.
Education
MBA - Financial Market Practice
Chitkara University
07-2020
B.Com (Hons.) -
Chandigarh University
07-2018
Skills
- Mortgage underwriting
- Tax return analysis for self-employed borrowers
- Documentation verification
- Document review
- Process improvement
- Analytical skills
- FNMA/FHLMC knowledge
- Attention to detail
- Document verification
- Adaptability
- Interpersonal skills
- Training and development
- Creative problem solving
- Inquiry handling
- Cross-functional collaboration
Languages
- Hindi
- English
Timeline
Mortgage Support Specialist
Real
09.2025 - Current
Senior Associate- Collateral Management
NAB Global Innovation Centres
06.2023 - 01.2025
Senior Underwriter - Correspondent Lending (APAC)
Ocwen Financial Solutions Pvt. Ltd.
11.2022 - 05.2023
Senior Underwriter - Consumer Direct (APAC)
Ocwen Financial Solutions Pvt. Ltd.
09.2021 - 11.2022
Senior Processor
Ocwen Financial Solutions Pvt. Ltd.
06.2020 - 09.2021
MBA - Financial Market Practice
Chitkara University
B.Com (Hons.) -
Chandigarh University